Social Security Guarantee Act of 2025

Key Points

• The bill would require the Treasury Department to issue a "benefit guarantee certificate" to every person currently receiving Social Security within 90 days of the law taking effect. Future beneficiaries would receive their certificate as soon as they're approved.
• Each certificate would serve as a legally enforceable promise that the government will pay the full monthly benefit amount the person is owed. This treats Social Security payments like a binding debt the government must honor.
• The certificate also guarantees that benefits will be adjusted at least once a year based on actual increases in the cost of living, protecting purchasing power as prices rise for things like food, housing, and healthcare.
• The bill establishes these certificates as budget authority that exists ahead of normal spending bills, meaning Congress couldn't simply cut Social Security through the regular budget process without addressing these legal obligations first.